HDFC Bank UPI RuPay Credit Card Review 2026: Fees & Rewards

Get 3% CashPoints on groceries and dining with the HDFC Bank UPI RuPay Credit Card. Learn about the ₹99 fee, UPI benefits, and how to apply.

Vyaya Team · Mar 2026

5 min read

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Value Score

8.5 / 10

Annual Fee

₹99

Best For

UPI-heavy-user, budget-conscious-shopper

Network

RuPay

Expert Verdict

REWARD SUMMARY

0.25% Base Rewards
The new world of Credit + Convenience

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The Bottom Line

The HDFC Bank UPI RuPay Credit Card is an excellent companion card for existing HDFC users. It bridges the gap between traditional credit and UPI convenience with a very low entry barrier and decent rewards on daily spends. With a ₹99 annual fee that is waived on ₹25,000 yearly spend, it offers 0% rewards on groceries, supermarket, din... and a welcome benefit worth ₹250. For anyone researching hdfc bank upi rupay credit card, the verdict is simple: recommended.

It earns a base reward rate of 0.25% and stacks best when your spending lines up with UPI-heavy-user, budget-conscious-shopper. The renewal fee gets easier to justify once you can hit ₹25,000 in yearly spend.

What we like

+3% CashPoints on groceries, supermarket, dining, and PayZapp transactions.

+Seamless UPI integration allowing credit card payments via QR codes.

+Very low annual fee of ₹99, easily waived on spending ₹25,000 annually.

+2% CashPoints on utility bill payments.

+Virtual-only format ensures instant issuance and enhanced security.

What we don't

–Monthly reward capping of 500 points per category (max 1,500 total).

–No physical card provided; limited to digital/UPI usage.

–Exclusions on rent, fuel, insurance, and government transactions.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

UPI-heavy-user

Ideal for those who prefer making small to medium payments via UPI and want to earn rewards on them.

Best value above ₹5,000/month

budget-conscious-shopper

Low maintenance cost and high rewards on daily essentials like groceries and dining.

Best value above ₹2,000/month

Probably not for

Skip

–

luxury-traveler

Lacks lounge access, travel insurance, and high-value travel redemption options.

–

high-spender

The 500-point monthly cap per category limits the benefit for large transactions.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Reward Rates

HDFC Bank UPI RuPay Credit Card offers 0.25% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Groceries, Supermarket, Din...

Utility Spends

Welcome Offer

Welcome Benefit

Gift Voucher

Value: ₹250

Milestone Benefits

Spend ₹25,000

Annual Fee Waiver

Fees & Charges

Joining fee₹99

Annual fee₹99

Fee waiverSpend > ₹25,000

Eligibility

Min Credit Score: 700
Exclusively available for existing HDFC Bank Credit Cardholders. Age between 21 to 65 years.

Exclusions & Terms

Fuel

Rent Payments

EMI Spends

Insurance Payments

Government Transactions

Wallet Loads

Gift/Prepaid Card Loads

Frequently Asked Questions

3 data-backed answers from our card database

What is the value of 1 CashPoint on this card?+

1 CashPoint is equal to ₹0.25 when redeemed against the statement balance or for travel/products on SmartBuy.

Is there a physical card for HDFC UPI RuPay?+

No, this is a virtual-only credit card. You can view details on the HDFC MyCards platform and link it to UPI apps.

How can I waive the annual fee?+

The annual fee of ₹99 is waived if you spend more than ₹25,000 in the preceding year.

Ready to apply?

₹99 fee. Excellent rewards. Apply now securely.

Apply on HDFC Bank →

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